Purchase reputable ID theft protection insurance. Preferably one that offers a case agent to work with you in the event your identity is used to open accounts. This case agent is in your court and is invaluable during all of the leg work that is required to clean up the mess made by criminals.

Freeze, or fraud alert your credit AFTER purchasing the ID theft insurance as the insurance company is more than likely going to want to pull your credit as well to check about inquiries and other opened accounts.

Freezing Credit

a. Strongest form of protection – NO ONE can access your credit, not even you until unfrozen

b. You will need to do this by contacting each of the three bureaus independently:

i. Equifax — 1-800-349-9960

ii. Experian — 1 888 397 3742

iii. TransUnion — 1-888-909-8872

c. You’ll need to supply your name, address, date of birth, Social Security number and other personal information. Fees vary based on where you live, but commonly range from $5 to $10.After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.

Fraud Alert on Credit

d. Good form of protection, possible creditors need to verify it is you before confirming and extending credit

e. Expire every 90 days, unless victim of ID theft. Are you a victim? You will have to file report showing that you have been victimized and will get fraud alerts for seven years

f. You will need to do this by contacting each of the three bureaus independently:

Talk to people you trust, like your friendly staff at Wilson Bank and Trust! We are here for you and our staff, along with our Security Director Elvis Huff, are in your court and here for you! Please call us with any questions.

Posted by Elvis Huff

Elvis Huff worked as an officer and network administrator for 12 years with the Lebanon Police Department and has also served as an adjunct professor in information systems at Cumberland University. Read More »

Online Security

If you have questions about online security, you’ve come to the right place! WB&T Security Director Elvis Huff has answers galore on staying safe in cyberspace. From tips on shopping securely to combating business-hacking fraudsters, Elvis can help you steer clear of danger (and keep things fun) in today’s complex technological landscape.